How Credit Card Finder Selects the ‘Best’, ‘Top’ and ‘Recommended’ Products

Credit Card Finder (http://www.creditcardfinder.com.au) compares from a wide range of financial products to come to a consumer suggestion about a leading product.

When a product(s) is labelled as ‘Best’, ‘Top’ or ‘Recommended’, they generally offer the leading features of their own respective category, with consideration of the card’s other factors.

The key factors and influences which are taken into account when picking the ‘best’, ‘top’ and ‘recommended’ credit cards include:

• Features: Including, but not limited to interest rates, annual fees and penalty fees.
• Promotions: If a financial institution or bank is running an introductory promotion on a product, this is taken into evaluation.
• Access: Whether a financial institution is allowing an online campaign or display of their products.
• Bank Reputation: Based on consumer and user feedback on customer service.

For instance, a credit card with a 9.99% p.a. interest rate and $100 annual fee may in theory be the card with the lowest interest rate on the market.

However, if a hypothetical competing card offered a 10.49% p.a. interest rate and $40 annual fee, it would be titled as ‘best’, ‘top’ or ‘recommended’ due to it’s compensating annual fee.

Likewise, the ‘Best Cashback Rewards Credit Card’ may not simply be the offer which offers the highest rate of cashback return. The card labelled as ‘Best’ has been identified so due to its beneficial factors and influences which as a whole make the card the most valuable in it’s category.

Disclaimer:

Our articles and content provided are written to be general in nature and don’t take into account your personal circumstances. Credit Card Finder recommends that you consider your own financial and personal objectives and needs, and seek independent financial advice.

Therefore, before acting on the basis of what is said in article, Credit Card Finder recommends users to consider:

• consulting a qualified and licensed financial adviser (See ASIC’s www.asic.gov.au list of licensed advisers); and

• to visit ASIC’s consumer website at www.fido.gov.au for general guidance about investing and personal finance.

Best Credit Card Offers Comparison Table*

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
St George Vertigo	Best Introductory Offer Credit Card* If you love to shop then you can take advantage of 2.99% p.a on both purchases and balance transfers for the first 6 months, followed by an ongoing low interest rate on purchases. Overall an excellent low interest rate credit card offer with a low annual fee.	12.49%	21.24%	2.99% for 6 months	$55	55
ANZ Low Rate MasterCard	Best Balance Transfer Credit Card* After the balance transfer offer expires, enjoy an ongoing low interest rate. An excellent no frills balance transfer credit card offer with a low annual fee.	13.24%	21.49%	0% for 6 months	$58	55
HSBC Credit Card	Best No Annual Fee Credit Card* $0 annual fee for the life of the credit card and an amazing interest-free balance transfer offer for the first 6 months.	16.99%	20.75%	0% for 6 months	$0	55